United Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
United Federal Credit Union 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | United Federal Credit Union 2807 South State St Saint Joseph, MI 49085 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,849 |
| Total Mortgage Loan Application Amount | $111,415,000 |
| Average Mortgage Loan Application Amount | $91,660 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $97,089 |
| Highest Applicant Income | $900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with United Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing United Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down United Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how United Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by United Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at United Federal Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Berrien County Michigan | 936 | $ 62,367,000 | $ 66,000 | $ 60,000 |
| Marion County Ohio | 209 | $ 7,642,000 | $ 36,000 | $ 49,000 |
| Sebastian County Arkansas | 155 | $ 7,556,000 | $ 48,000 | $ 56,000 |
| Le Flore County Oklahoma | 70 | $ 2,617,000 | $ 37,000 | $ 45,000 |
| Van Buren County Michigan | 67 | $ 4,148,000 | $ 61,000 | $ 56,000 |
| Crawford County Arkansas | 61 | $ 2,375,000 | $ 38,000 | $ 56,000 |
| Ottawa County Michigan | 54 | $ 4,060,000 | $ 75,000 | $ 65,000 |
| Allegan County Michigan | 22 | $ 1,326,000 | $ 60,000 | $ 57,000 |
| Sequoyah County Oklahoma | 18 | $ 689,000 | $ 38,000 | $ 95,000 |
| Franklin County Arkansas | 15 | $ 729,000 | $ 48,000 | $ 54,000 |
| Cass County Michigan | 15 | $ 847,000 | $ 56,000 | $ 57,000 |
| Kalamazoo County Michigan | 15 | $ 1,662,000 | $ 110,000 | $ 68,000 |
| St. Joseph County Indiana | 12 | $ 1,069,000 | $ 89,000 | $ 73,000 |
| Morrow County Ohio | 12 | $ 542,000 | $ 45,000 | $ 50,000 |
| Kent County Michigan | 10 | $ 679,000 | $ 67,000 | $ 42,000 |
| Union County Ohio | 9 | $ 387,000 | $ 43,000 | $ 49,000 |
| Hardin County Ohio | 6 | $ 255,000 | $ 42,000 | $ 57,000 |
| Haskell County Oklahoma | 6 | $ 280,000 | $ 46,000 | $ 53,000 |
| Calhoun County Michigan | 5 | $ 149,000 | $ 29,000 | $ 59,000 |
| Crawford County Ohio | 5 | $ 295,000 | $ 59,000 | $ 58,000 |
| Delaware County Ohio | 5 | $ 107,000 | $ 21,000 | $ 69,000 |
| Williamson County Tennessee | 5 | $ 897,000 | $ 179,000 | $ 124,000 |
| Livingston County Michigan | 4 | $ 510,000 | $ 127,000 | $ 91,000 |
| Logan County Ohio | 4 | $ 99,000 | $ 24,000 | $ 40,000 |
| Wyandot County Ohio | 4 | $ 64,000 | $ 16,000 | $ 40,000 |
| Rutherford County Tennessee | 4 | $ 339,000 | $ 84,000 | $ 73,000 |
| Maricopa County Arizona | 3 | $ 165,000 | $ 55,000 | $ 44,000 |
| Logan County Arkansas | 3 | $ 139,000 | $ 46,000 | $ 56,000 |
| Riverside County California | 3 | $ 355,000 | $ 118,000 | $ 92,000 |
| Broward County Florida | 3 | $ 405,000 | $ 135,000 | $ 124,000 |
| Gwinnett County Georgia | 3 | $ 204,000 | $ 68,000 | $ 86,000 |
| Cook County Illinois | 3 | $ 322,000 | $ 107,000 | $ 160,000 |
| DuPage County Illinois | 3 | $ 290,000 | $ 96,000 | $ 79,000 |
| Will County Illinois | 3 | $ 364,000 | $ 121,000 | $ 69,000 |
| Ingham County Michigan | 3 | $ 70,000 | $ 23,000 | $ 41,000 |
| Polk County Missouri | 3 | $ 167,000 | $ 55,000 | $ 71,000 |
| Onondaga County New York | 3 | $ 205,000 | $ 68,000 | $ 77,000 |
| Muskogee County Oklahoma | 3 | $ 75,000 | $ 25,000 | $ 35,000 |
| Yell County Arkansas | 2 | $ 58,000 | $ 29,000 | $ 44,000 |
| Arapahoe County Colorado | 2 | $ 234,000 | $ 117,000 | $ 66,000 |
| Leon County Florida | 2 | $ 136,000 | $ 68,000 | $ 87,000 |
| Cobb County Georgia | 2 | $ 253,000 | $ 126,000 | $ 86,000 |
| Kendall County Illinois | 2 | $ 171,000 | $ 85,000 | $ 56,000 |
| Lake County Illinois | 2 | $ 180,000 | $ 90,000 | $ 149,000 |
| Polk County Iowa | 2 | $ 166,000 | $ 83,000 | $ 78,000 |
| Lincoln County Kentucky | 2 | $ 26,000 | $ 13,000 | $ 58,000 |
| Lake County Michigan | 2 | $ 107,000 | $ 53,000 | $ 25,000 |
| Manistee County Michigan | 2 | $ 65,000 | $ 32,000 | $ 44,000 |
| Mason County Michigan | 2 | $ 182,000 | $ 91,000 | $ 86,000 |
| Lafayette County Mississippi | 2 | $ 67,000 | $ 33,000 | $ 50,000 |
| Burlington County New Jersey | 2 | $ 187,000 | $ 93,000 | $ 122,000 |
| Whatcom County Washington | 2 | $ 232,000 | $ 116,000 | $ 114,000 |
| Shelby County Alabama | 1 | $ 18,000 | $ 18,000 | $ 63,000 |
| Pinal County Arizona | 1 | $ 239,000 | $ 239,000 | $ 175,000 |
| Benton County Arkansas | 1 | $ 54,000 | $ 54,000 | $ 159,000 |
| Los Angeles County California | 1 | $ 46,000 | $ 46,000 | $ 40,000 |
| Boulder County Colorado | 1 | $ 20,000 | $ 20,000 | $ 75,000 |
| Huerfano County Colorado | 1 | $ 62,000 | $ 62,000 | $ 19,000 |
| New Castle County Delaware | 1 | $ 25,000 | $ 25,000 | $ 163,000 |
| Charlotte County Florida | 1 | $ 99,000 | $ 99,000 | $ 100,000 |
| Collier County Florida | 1 | $ 391,000 | $ 391,000 | $ 462,000 |
| Hillsborough County Florida | 1 | $ 138,000 | $ 138,000 | $ 116,000 |
| Lake County Florida | 1 | $ 460,000 | $ 460,000 | $ 31,000 |
| Lee County Florida | 1 | $ 25,000 | $ 25,000 | $ 76,000 |
| Manatee County Florida | 1 | $ 83,000 | $ 83,000 | $ 153,000 |
| Marion County Florida | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Orange County Florida | 1 | $ 68,000 | $ 68,000 | $ 83,000 |
| Palm Beach County Florida | 1 | $ 237,000 | $ 237,000 | $ 111,000 |
| Santa Rosa County Florida | 1 | $ 25,000 | $ 25,000 | $ 144,000 |
| Seminole County Florida | 1 | $ 50,000 | $ 50,000 | $ 65,000 |
| Carroll County Georgia | 1 | $ 82,000 | $ 82,000 | $ 63,000 |
| Forsyth County Georgia | 1 | $ 20,000 | $ 20,000 | $ 83,000 |
| Kane County Illinois | 1 | $ 47,000 | $ 47,000 | $ 142,000 |
| LaSalle County Illinois | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| McHenry County Illinois | 1 | $ 65,000 | $ 65,000 | $ 124,000 |
| Union County Illinois | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Vermilion County Illinois | 1 | $ 28,000 | $ 28,000 | $ 68,000 |
| Elkhart County Indiana | 1 | $ 19,000 | $ 19,000 | $ 11,000 |
| Hamilton County Indiana | 1 | $ 31,000 | $ 31,000 | $ 58,000 |
| Marshall County Indiana | 1 | $ 15,000 | $ 15,000 | $ 85,000 |
| Vanderburgh County Indiana | 1 | $ 68,000 | $ 68,000 | $ 78,000 |
| Wyandotte County Kansas | 1 | $ 17,000 | $ 17,000 | $ 81,000 |
| Garrard County Kentucky | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Oldham County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| York County Maine | 1 | $ 495,000 | $ 495,000 | $ 400,000 |
| Eaton County Michigan | 1 | $ 20,000 | $ 20,000 | $ 75,000 |
| Grand Traverse County Michigan | 1 | $ 49,000 | $ 49,000 | $ 66,000 |
| Leelanau County Michigan | 1 | $ 239,000 | $ 239,000 | $ 81,000 |
| Newaygo County Michigan | 1 | $ 77,000 | $ 77,000 | $ 60,000 |
| Oakland County Michigan | 1 | $ 166,000 | $ 166,000 | $ 57,000 |
| Oceana County Michigan | 1 | $ 120,000 | $ 120,000 | $ 103,000 |
| St. Joseph County Michigan | 1 | $ 8,000 | $ 8,000 | $ 79,000 |
| Ramsey County Minnesota | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| St. Louis City County Missouri | 1 | $ 20,000 | $ 20,000 | $ 115,000 |
| Yates County New York | 1 | $ 200,000 | $ 200,000 | $ 515,000 |
| Cumberland County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 50,000 |
| Johnston County North Carolina | 1 | $ 93,000 | $ 93,000 | $ 65,000 |
| Wake County North Carolina | 1 | $ 36,000 | $ 36,000 | $ 50,000 |
| Hancock County Ohio | 1 | $ 25,000 | $ 25,000 | $ 150,000 |
| Montgomery County Ohio | 1 | $ 141,000 | $ 141,000 | $ 61,000 |
| Richland County Ohio | 1 | $ 44,000 | $ 44,000 | $ 32,000 |
| Canadian County Oklahoma | 1 | $ 8,000 | $ 8,000 | $ 64,000 |
| Creek County Oklahoma | 1 | $ 5,000 | $ 5,000 | $ 33,000 |
| Latimer County Oklahoma | 1 | $ 39,000 | $ 39,000 | $ 24,000 |
| Allegheny County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 243,000 |
| Knox County Tennessee | 1 | $ 63,000 | $ 63,000 | $ 32,000 |
| Maury County Tennessee | 1 | $ 10,000 | $ 10,000 | $ 47,000 |
| Hanover County Virginia | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Prince George County Virginia | 1 | $ 20,000 | $ 20,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for United Federal Credit Union in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement (one-to-four family) | 1,167 | $34,360,000 | $33,692 | $460,000 | $82,230 | $551,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 575 | $62,756,000 | $145,875 | $975,000 | $93,625 | $475,000 |
| Home Purchase (one-to-four family) | 107 | $14,299,000 | $137,357 | $400,000 | $128,642 | $900,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Information not provided by applicant in mail or telephone application | 1,834 | $109,940,000 | $82,666 | $975,000 | $102,111 | $900,000 |
| White | 13 | $1,434,000 | $98,333 | $321,000 | $64,000 | $151,000 |
| Asian or Pacific Islander | 1 | $10,000 | $10,000 | $10,000 | $20,000 | $20,000 |
| Black | 1 | $31,000 | $31,000 | $31,000 | $20,000 | $20,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,848 | $111,285,000 | $82,703 | $975,000 | $101,962 | $900,000 |
| FHA-insured (Federal Housing Administration) | 1 | $130,000 | $130,000 | $130,000 | $115,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,562 | $103,121,000 | $93,230 | $975,000 | $100,769 | $900,000 |
| Application Denied By Financial Institution | 169 | $4,677,000 | $69,000 | $460,000 | $72,300 | $307,000 |
| Application Withdrawn By Applicant | 117 | $3,571,000 | $23,400 | $300,000 | $81,700 | $551,000 |
| Application Approved But Not Accepted | 1 | $46,000 | $46,000 | $46,000 | $40,000 | $40,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 22 | $538,000 | $24,833 | $85,000 | $57,666 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $431,000 | $65,000 | $180,000 | $46,500 | $59,000 |
| Employment History | 4 | $86,000 | $21,000 | $40,000 | $59,500 | $94,000 |
| Mortgage Insurance Denied | 2 | $50,000 | $25,000 | $37,000 | $73,000 | $77,000 |
| Debt-To-Income Ratio | 2 | $85,000 | $42,500 | $65,000 | $87,500 | $124,000 |
| Collateral | 1 | $29,000 | $29,000 | $29,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Federal Credit Union's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess United Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.